Call reports 2009
UNITED VALLEY BANK — 2009
What UNITED VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 148,271,000 | 147,518,000 | 154,404,000 | 152,589,000 |
| Total loans | 115,770,000 | 115,580,000 | 120,780,000 | 117,469,000 |
| Allowance for loan losses | 1,838,000 | 1,879,000 | 1,497,000 | 1,811,000 |
| Securities available for sale | 10,232,000 | 9,201,000 | 10,714,000 | 11,422,000 |
| Securities held to maturity | 16,105,000 | 14,502,000 | 14,885,000 | 14,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,640,000 | 119,102,000 | 118,541,000 | 123,002,000 |
| Interest-bearing deposits | 96,179,000 | 99,579,000 | 99,559,000 | 97,575,000 |
| Noninterest-bearing deposits | 19,461,000 | 19,523,000 | 18,982,000 | 25,427,000 |
| Equity capital | 12,315,000 | 12,389,000 | 12,366,000 | 12,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,050,000 | 4,110,000 | 6,203,000 | 8,263,000 |
| Interest expense | 624,000 | 1,180,000 | 1,696,000 | 2,177,000 |
| Net interest income | 1,426,000 | 2,930,000 | 4,507,000 | 6,086,000 |
| Noninterest income | 146,000 | 317,000 | 480,000 | 631,000 |
| Noninterest expense | 1,022,000 | 2,084,000 | 3,118,000 | 4,251,000 |
| Provision for loan losses | 90,000 | 120,000 | 170,000 | 1,970,000 |
| Pretax income | 460,000 | 1,043,000 | 1,699,000 | 496,000 |
| Income tax | 30,000 | 68,000 | 112,000 | 34,000 |
| Net income | 430,000 | 975,000 | 1,587,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,044,000 | 12,141,000 | 12,071,000 | 12,022,000 |
| Total capital | 13,572,000 | 13,664,000 | 13,568,000 | 13,592,000 |
| Risk-weighted assets | 121,957,000 | 121,506,000 | 127,510,000 | 125,347,000 |